Credit behavior network mapping

Abstract

A system having databases that executes steps including receiving an identifier of a first entity, performing a first search of a database that returns an identifier of a second entity having a relationship with the first entity, performing a second search of a database that returns an identifier of a third entity that is a creditor of the second entity, and constructing in a storage device, a data structure that defines a path between the first entity and the third entity via the second entity. The system can include a processor and a memory with instructions. The instructions, when read by the processor, cause the system to perform methods described above.

1 . A system for creating a credit behavior network map between a plurality of entities, the system comprising:
 a computer processor;   a memory for storing a set of instructions for the computer processor;   a plurality of databases, accessible by said processor, including at least a database of credit inquiries and, a database of corporate linkage,   wherein the set of instructions in the memory cause the computer processor to perform steps of:   receiving an identifier of a first entity;   performing a first search of the database of credit inquiries to return an identifier of a second entity that made a credit inquiry concerning the first entity,
 performing a second search in the database of corporate linkage to return an identifier of an entity hierarchically related to said first entity, 
 performing a third search of the database of credit inquiries to return an identifier of a third entity, wherein said third entity is a creditor of said second entity; 
 constructing said credit behavior network map in a storage device defined by a data structure based on said identifier of said first entity, said identifier of said second entity, said identifier of said third entity, wherein said credit behavior network map comprises a path between said first entity and said third entity via said second entity, and 
 using said credit behavior network map to determine a risk of disruption of a global supply chain of said first entity at varying points of a credit supply chain, and to associate the disruption with an ultimate effect on the operations of the first entity. 
   
     
     
         2 . The system of  claim 1 , wherein the instructions in the memory cause the processor to perform a fourth search in the database of credit inquiries to return an identifier of a fourth entity that is one of a creditor or a maker of a credit inquiry of said entity hierarchically related to said first entity. 
     
     
         3 . The system of  claim 2 , wherein the credit behavior map includes a path between said first entity and said fourth entity via said entity hierarchically related to said first entity 
     
     
         4 . The system of  claim 2 , wherein the credit behavior network map is two dimensional. 
     
     
         5 . The system of  claim 4 , wherein the credit behavior network map has an arbitrary depth and width to represent varying degrees of separation between the entities and additional entities. 
     
     
         6 . The system of  claim 1 , wherein said first entity and said entity hierarchically related to said first entity are related as one of a parent, a subsidiary, a branch, a business partner and a company having a common parent in said database of corporate linkage. 
     
     
         7 . The system of  claim 1 , wherein said data structure is representative of cash flow signals and trends for suppliers and suppliers of suppliers of a said first entity. 
     
     
         8 . The system of  claim 1 , wherein the plurality of databases includes a database of trade data, and the instructions in the memory cause the processor to perform a search of the database of trade data, to access data concerning at least one of said second entity and said entity hierarchically related to said first entity. 
     
     
         9 . The system of  claim 1 , wherein the plurality of databases includes a database of business parameters, and the instructions in the memory cause the processor to perform a search of the database of business parameters, to access data concerning at least one of said second entity and said entity hierarchically related to said first entity. 
     
     
         10 . The system of  claim 1 , wherein the plurality of databases includes a database of output parameters, and the instructions in the memory cause the processor to perform a search of the database of output parameters, to access data concerning at least one of said second entity and said entity hierarchically related to said first entity 
     
     
         11 . The system of  claim 1 , wherein the instructions in the memory cause the processor to print or display the credit behavior network map on a printer or on a display, respectively, associated with a user terminal, so that a user can view and act upon information displayed.